本文選題：宏觀經(jīng)濟(jì) + 宏觀金融風(fēng)險(xiǎn)�。� 參考：《吉林財(cái)經(jīng)大學(xué)》2012年碩士論文

【摘要】：金融風(fēng)險(xiǎn)累積到一定程度就會(huì)爆發(fā)金融危機(jī)，因此對(duì)金融風(fēng)險(xiǎn)成因的分析及其如何防范具有非常重要的理論意義。而在我國(guó)，國(guó)有企業(yè)負(fù)債經(jīng)營(yíng)是由來(lái)已久的問(wèn)題，而由于國(guó)有企破產(chǎn)、倒閉而引發(fā)的一系列經(jīng)濟(jì)問(wèn)題不得不引發(fā)思考。首先，企業(yè)財(cái)務(wù)危機(jī)首先受到影響的就是商業(yè)銀行，因?yàn)槠髽I(yè)不能按期償還貸款造成商業(yè)銀行形成大量不良資產(chǎn)。自東南亞危機(jī)爆發(fā)以來(lái)，我國(guó)金融監(jiān)管當(dāng)局已經(jīng)認(rèn)識(shí)到國(guó)有商業(yè)銀行的巨額不良資產(chǎn)對(duì)宏觀經(jīng)濟(jì)來(lái)說(shuō)是一個(gè)巨大的潛在危險(xiǎn)，這個(gè)問(wèn)題不解決就有可能爆發(fā)嚴(yán)重的金融危機(jī)。國(guó)家為了減輕銀行負(fù)擔(dān)，對(duì)國(guó)有銀行的巨額不良資產(chǎn)進(jìn)行了剝離，這一做法雖然使的銀行資產(chǎn)結(jié)構(gòu)、銀行流動(dòng)性得到了很好的改善，但是剝離后風(fēng)險(xiǎn)轉(zhuǎn)嫁到何處，對(duì)宏觀經(jīng)濟(jì)的潛在金融風(fēng)險(xiǎn)是否徹底消失，這些問(wèn)題仍然需要研究。在企業(yè)改制以來(lái)，很多企業(yè)的歷史壞賬問(wèn)題雖通過(guò)上市得到解決，但是漏損性泡沫所引發(fā)的對(duì)通貨膨脹的促進(jìn)作用卻不能忽視。商業(yè)銀行輕裝上陣，，但是商業(yè)銀行的原始風(fēng)險(xiǎn)因?yàn)椴涣假J款剝離和不良資產(chǎn)證券化而最終轉(zhuǎn)嫁到金融市場(chǎng)。再經(jīng)過(guò)金融市場(chǎng)的層層衍生，風(fēng)險(xiǎn)不斷放大，而一旦特定條件形成，大規(guī)模的信用崩潰而引發(fā)的金融危機(jī)不可避免。因此，由于企業(yè)財(cái)務(wù)問(wèn)題而引發(fā)的整個(gè)宏觀經(jīng)濟(jì)風(fēng)險(xiǎn)非常值得研究。本文從微觀企業(yè)財(cái)務(wù)問(wèn)題作為出發(fā)點(diǎn)，系統(tǒng)分析了風(fēng)險(xiǎn)的傳遞和放大機(jī)制。
[Abstract]:The financial risk accumulates to a certain extent will erupt the financial crisis, therefore the analysis to the financial risk cause and how to prevent has the very important theory significance. But in our country, the state-owned enterprise debt management is a long-standing problem, but because the state-owned enterprise goes bankrupt, the bankruptcy causes a series of economic problems to have to cause the ponder. First of all, the financial crisis of enterprises is first affected by commercial banks, because enterprises can not repay loans on time resulting in commercial banks forming a large number of non-performing assets. Since the Southeast Asian crisis broke out, our financial supervision authorities have realized that the huge amount of non-performing assets of state-owned commercial banks is a huge potential danger to the macro economy, and if this problem is not solved, a serious financial crisis may break out. In order to lighten the burden on banks, the state has stripped off the huge amount of non-performing assets of state-owned banks. Although this practice has improved the structure of bank assets and the liquidity of banks, where is the risk passed on after the divestiture? Whether the potential financial risks of the macro-economy disappear completely, these problems still need to be studied. Since the reform of enterprises, many enterprises' historical bad debts have been solved by listing, but the promotion of inflation caused by leaky bubbles can not be ignored. Commercial banks carry light loads, but the original risks of commercial banks are transferred to the financial market because of non-performing loan divestiture and securitization of non-performing assets. After the financial market layer by layer, the risk is magnified, and once the specific conditions are formed, the financial crisis caused by the large-scale credit collapse is inevitable. Therefore, the whole macro-economic risk caused by financial problems is worth studying. This paper systematically analyzes the mechanism of risk transmission and amplification from micro-enterprise financial problems as the starting point.
【學(xué)位授予單位】：吉林財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F275;F832.59

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